0.00% 

10% Premium Bonus on all premium received in first 5 yrs. 

Minimum Guaranteed Interest Rate is 2% on 100% for all contract years when held to term. 

Minimum: $2,000 for Qualified/$10,000 for Non-Qualified
Maximum: $3 million per annuitant/owner 

10 

0 - 79 

18%, 16%, 14%, 12%, 11%, 10%, 8%, 6%, 4%, 2% 

Up to 10% of Accumulation Value may be withdrawn once each contract year after your client’s first contract anniversary. Withdrawals, surrenders and loans from this annuity prior to age 591⁄2 may be subject to IRS penalties. Under current law, annuities grow tax deferred. An annuity is not required for tax deferral in qualified plans. 

The product offers four distinct Crediting Methods:
		
1.	Annual Point-to-Point 
2.	Monthly Average
3.             Monthly Pt-to-Pt
4.	Fixed Rate

The six index options available under the Annual Point-to-Point method:
A.	S&P 500
B.	Dow Jones Industrial Average (DJIA)
C.	NASDAQ 100 Index
D.	S&P 400
E.	Russell 2000 Index
F.              Dow Jones Euro STOXX 50
E.             Hindsight Index Strategy

The four index options available under the Monthly Average method:
A.	S&P 500
B.	Dow Jones Industrial Average (DJIA)
C.	S&P 400
D.	Russell 2000 Index

The two index options available under the Monthly Point-to-Point method:
A.             S&P 500
B.             NASDAQ-100 

NACOLAH_Rates.pdf 

Death Benefit-
North American will pay out, as the Death Benefit, the Accumulation Value to your client’s beneficiary upon the death of the annuitant or an owner. Their beneficiary may choose to receive the payouts in either a lump sum or a series of income payments. If joint annuitants are
named, the Death Benefit will be paid on the death of the second annuitant. If joint owners are named, the Death Benefit will be paid out on the death of the first owner.

Nursing Home Confinement Rider (in states where approved)-
As an added benefit, we will increase the Penalty-Free Partial Surrender amount by 10% of the contract’s Accumulation Value each year while the annuitant is confined to a qualified nursing   home facility. This benefit begins after the first contract anniversary and the annuitant must be confined for a period of at least 90 consecutive days. This enhanced feature is automatically included with the annuity at no additional cost and is available for issue ages 75 and younger.

Incentive Trips:
Write Annuity business with North American and earn travel rewards to put towards your next trip. The more you sell, the farther you can go. Receive a travel award along with concierge travel services from ITA Travel by Design. 
	Level 1: $500 travel reward (Produce between $500,000 and $999,999 in North American Premium)
	Level 2: $1000 travel reward (Produce $1M + in North American Premium)
Applies to applications received from August 10 through October 29, 2010. Transfers and 1035 Exchange premiums must be received by December 15, 2010. 
 

Commissions*   
Age     NQ/Q    1st Yr.    Years 2-3   Years 4-7	   
0-75    NQ/Q     6.50%     2.00%	      0.50%      

(ages 76-79 reduced by 25%)

*Applies to most states; may vary in some states. Consult your contract to confirm actual commission. For MN, UT & VA, commissions will be reduced by 1%     

Chargebacks to Agent	 at Surrender- 100% during the first 6 months, 50% during months 7-12.

Chargebacks at Death- 100% during the first 6 months, 50% during months 7-12.

     
 

Alabama
Alaska
Connecticut
Delaware
Minnesota
Nevada
New York
Oregon
Puerto Rico
Texas
Utah
Vermont
Washington